Call reports 2007
CITIZENS BANK, THE — 2007
What CITIZENS BANK, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 252,680,000 | 258,729,000 | 263,721,000 | 273,247,000 |
| Total loans | 186,191,000 | 192,645,000 | 191,587,000 | 196,753,000 |
| Allowance for loan losses | 2,597,000 | 2,678,000 | 2,734,000 | 2,599,000 |
| Securities available for sale | 18,883,000 | 18,438,000 | 18,522,000 | 18,542,000 |
| Securities held to maturity | 604,000 | 597,000 | 595,000 | 1,601,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 222,804,000 | 231,346,000 | 235,452,000 | 243,263,000 |
| Interest-bearing deposits | 195,599,000 | 205,179,000 | 210,283,000 | 212,940,000 |
| Noninterest-bearing deposits | 27,205,000 | 26,167,000 | 25,169,000 | 30,323,000 |
| Equity capital | 24,412,000 | 25,132,000 | 25,807,000 | 26,058,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,138,000 | 10,329,000 | 15,578,000 | 20,549,000 |
| Interest expense | 2,244,000 | 4,529,000 | 7,011,000 | 9,524,000 |
| Net interest income | 2,894,000 | 5,800,000 | 8,567,000 | 11,025,000 |
| Noninterest income | 383,000 | 791,000 | 1,144,000 | 1,788,000 |
| Noninterest expense | 1,590,000 | 3,157,000 | 4,687,000 | 6,441,000 |
| Provision for loan losses | 85,000 | 145,000 | 205,000 | 265,000 |
| Pretax income | 1,602,000 | 3,289,000 | 4,819,000 | 6,107,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,602,000 | 3,289,000 | 4,819,000 | 6,107,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,460,000 | 25,344,000 | 25,782,000 | 25,886,000 |
| Total capital | 26,923,000 | 27,857,000 | 28,272,000 | 28,471,000 |
| Risk-weighted assets | 205,809,000 | 210,696,000 | 206,737,000 | 206,816,000 |
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